Want to change banks? It is time ! The new law requires banks to carry out account transfer operations themselves and in 22 days maximum . No more paperwork? In fact, some precautions are still necessary.
What do I have to do ?
If the bank took care of everything, it would be too simple. In order for everything to go smoothly, you first have to open an account in your new bank, immediately asking for a credit card and a checkbook to quickly make your main account. Attention, count an average time of 5 days (less for the banks in lines). At the same time, we are also negotiating the reimbursement of transfer fees for our savings plans.
What is the bank mobility mandate?
The bank mobility mandate allows the new bank to deal with the old bank for paperwork. It is imperative to sign it. For a joint account, it is also necessary that the other party signs it (otherwise, it is obsolete). Attention, it is better to ask that the old account is not closed before 6 months : transfers often take longer than expected.
My accounts in details
I pass the list and levies and warrants under the microscope. 5 days after the signing of the mandate , our former bank must provide a list of operators with whom we frequently deal. It is up to us to check whether all the organizations that need to be notified of our change of address are registered (the Sécu, the mutual, EDF, Internet subscription etc ...) and to correct it if necessary. Another point: if our old bank exceeds the deadline of 5 days, the transfer can fall to the water ...
Good to know: when closing the account, we leave an email to his old bank. She must warn us for 13 months if a check arrives.